ICICI Bank Platinum Chip Credit Card Review

If you are looking for an entry-level card that can help you in building a strong credit score, then you should take a look at the icici bank platinum chip credit card. It not only brings ease of shopping but also ensures the safety of transactions by providing the chip card that generates a unique transaction code after every time transaction which makes it next level secure. Not only does it provide ease of shopping and security but it also comes with a plethora of icici bank platinum chip credit card offers on lifestyle and shopping.

How does the icici credit card eligibility work?

• Resident Type: Indian. 
• icici credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Rs. 20,000 monthly. 
• icici bank platinum chip credit card eligibility criteria for self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: income tax return should be greater than Rs. 3 lakh. 
• A good CIBIL Score (750 or more) is mandatory to get this platinum chip credit card from icici bank.

What documents are required to apply for the icici bank platinum chip visa credit card?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • Last 6 months bank account Statement
  • Aadhar Card 
  • Driving License 
  • Passport
  • Utility bill
• One recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Salary Slip of the last 3 months 
    • ITR (Income Tax Return)
  • Self-employed person
    • Income tax return of the last year 
    • Proof of business
    • Recent audited financial report. 

As you submit your icici bank credit card application, you will get a unique application id. You can use that to track your icici platinum chip credit card application status. 

What are the icici bank platinum chip credit card fees?

• ICICI bank platinum chip credit card joining fee: None. 
• ICICI bank platinum chip credit card annual fee: None. 

What are the icici platinum chip credit card benefits?

• Make every transaction rewarding:

On every transaction made with this platinum chip credit card icici bank offers PAYBACK points. 

Category of transaction	Rate of earning icici platinum credit card reward points
Retail transactions	2 icici payback points on every Rs.100 spend
Utility and insurance-related transactions	1 icici payback rewards for every Rs.100 spend

If you are thinking about how to check payback points in icici credit card? then log in to your icici netbanking account and you check the status of your payback rewards from there. 

• Dine with more delight:

Your icici bank platinum chip credit card offers a minimum of 15% on dining at all partner restaurants. 

• Enjoy freedom from fuel surcharges:

With this icici bank free credit card, you will get a 1% waiver on fuel surcharges at all HPCL pumps. The maximum transaction amount should be Rs. 4,000.

• 24×7 assistance:

All icici platinum visa credit card users enjoy global emergency assistance for reporting a lost card report. If you want to know how to block icici credit card online? then visit our FAQ page to get a detailed instruction.  

• Instant icici credit card bill payment options:

ICICI bank allows you to make your monthly icici credit card payment through netbanking account or by using any credit card payment app like Cred, Google Pay, Paytm, Phone pe, etc.

• Cutting edge security:

This icici platinum visa credit card comes with an advanced EMV chip. Also, the 3d secure icici credit card pin makes this card more secure. 

What are the icici platinum credit card charges?

Particulars	Payable Amount
ICICI credit card cash withdrawal charges	2.5% against the withdrawn amount (check your available icici platinum chip credit card limit before making a withdrawal)
Finance Charge	The icici credit card interest rate after due date will be 3.40% monthly.
ICICI bank platinum chip credit card international transaction charge	3.5% against the transacted amount.
ICICI add on credit card Fee	Free for a lifetime.

If you want to know how to apply icici add on credit card? then visit our ICICI credit card FAQ page.

How to contact the icici bank credit card customer care department?

• Call the icici bank credit card customer care toll free number: 1860-120-7777 / 022-3366-7777 or +91-40-7140-3333
• Write to the icici bank credit card customer care email: headservicequality@icicibank.com 

100xGain Ratings:

7.5/10

Pros and cons of the icici bank platinum chip credit card:

Pros	Cons
This icici platinum chip credit card offers a handsome discount on dining bills. The rate of earning icici payback points is also quite good. It is a lifetime free credit card.	You will not get any travel or shopping benefits from this icici bank platinum chip visa credit card.

Final Opinion:

This credit card of icici bank offers good security and benefits to its customers yet missing some basic offers. So, I would recommend it only for first-time customers, since it is hustle-free and easy to use a credit card. Beginners can improve their credit score by using it and later upgrade to a better credit card. 

But if you want more benefits from your credit card, then I would recommend you to check the alternative card options given below. And if you want a better ICICI credit card then you should take a look at the icici credit card list. 

Alternative of ICICI Bank Platinum Chip Credit Card: 

1. Axis bank pride platinum credit card (Best for reward point and dining benefits)
2. Indusind bank pioneer heritage credit card (Best for movie, dining, and lounge access benefit)
3. RBL movies and more credit card (Best for earning reward points)